API Reference

分期状态变更通知

post
https://api-bnpl-wl.sandbox.open-co.tech/webhooks/installment-status

方向：Inbound（QI Tech / 支付基础设施 → BNPL WL）。 合作伙伴不直接调用此端点。 Webhook endpoint called by QI Tech when an installment status changes. This notification is used to keep the BNPL system in sync with the financial institution.

Common status transitions:

  • PENDING -> PAID: Normal on-time payment
  • PENDING -> OVERDUE_GRACE: Payment missed past due date (no fines yet, BNPL limit zeroed)
  • OVERDUE_GRACE -> OVERDUE_PENALTY: Grace period expired, fines and interest now apply
  • PENDING -> PAID_EARLY: Payment before due date
  • OVERDUE_PENALTY -> PAID_OVERDUE: Late payment with fine/interest
  • OVERDUE_PENALTY -> PAID_PARTIAL_OVERDUE: Partial late payment
  • OVERDUE_GRACE -> PAID: Payment received during grace period (no fines)
  • PENDING -> WAITING_PAYMENT: Payment initiated but not confirmed
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Body Params

Webhook payload sent by QI Tech when an installment status changes. Used to keep the BNPL system synchronized with the financial institution.

uuid
required

Person identifier associated with this installment

string
enum
required

Webhook事件类型

Show Details
installment.status_changeTriggered when an installment payment status changes
Allowed:
string
required

Installment identifier

string
enum
required

Previous installment status before the change

Show Details
PENDING等待支付，尚未到期
PAID按时全额支付
OVERDUE_GRACEPast due date without payment; normal BNPL limit applies; no fines or interest yet
OVERDUE_PENALTYPast due date beyond the grace period; fines and interest accrue daily
PAID_EARLYPaid before the due date (may qualify for discount)
PAID_PARTIAL到期日或之前部分支付
PAID_OVERDUE逾期后全额支付（含罚金和逾期利息）
PAID_PARTIAL_OVERDUEPartially paid after due date (includes fine and late interest)
WAITING_PAYMENT支付已发起但尚未被金融机构确认
string
enum
required

New installment status after the change

Show Details
PENDING等待支付，尚未到期
PAID按时全额支付
OVERDUE_GRACEPast due date without payment; normal BNPL limit applies; no fines or interest yet
OVERDUE_PENALTYPast due date beyond the grace period; fines and interest accrue daily
PAID_EARLYPaid before the due date (may qualify for discount)
PAID_PARTIAL到期日或之前部分支付
PAID_OVERDUE逾期后全额支付（含罚金和逾期利息）
PAID_PARTIAL_OVERDUEPartially paid after due date (includes fine and late interest)
WAITING_PAYMENT支付已发起但尚未被金融机构确认
date-time
required

Timestamp when the status change occurred

data
object
required

Event data with financial details

Responses

Updated 2 months ago

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Updated 2 months ago